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What do you mean by "rates"? Finance rates? Lease rates (MF and residual)? Discounts off MSRP?

There are 2 pricing systems: one for the informed, the other for the uninformed. The difference is HUGE. Your best bet is to spend time here doing your research; an hour or two and you will have a very good feel for all the moving parts and where you should realistically wind up. You will even find sponsors here who may offer you a significantly better deal than what you will get walking in off the street. (One of the best is in South Atlanta).

But ask for it all to be served up to you on a silver platter? Unlikely.

Financing Rates is the info I'm looking for. According to dealership, I'm looking at a rate of 3.9% for 60 months.

We have already sorted out the pricing of the actual vehicle cost.

If you want to finance through BMW Financial then 3.9% is the buy rate on the 2012 X5 right now. If you want anything lower you would need to check with other banks to see what is available, so check with the dealership to see which bank they are using.

The rate will depend on a combination of your credit score, the term (the lower the term the better the rate), and if you are a loyalty customer (if you are previous with BMW Financial or not). The dealer cannot mark up Sales Support rates on a loan with BMW Financial for new cars, so the rate that the dealer is offering you should be the best one available to you based on your situation.

I thought it was 3.9%, and bmwfs could even come down from that (to match usaa for example). I'm told by CA that the best they have is 4.9% for 36-60 mos. Is that being marked up? I would like to get the loyalty credit, but not worth it at that rate...